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次贷危机的爆发对全球金融市场和实体经济造成的影响是巨大且深远的。本文从美国次贷危机的视角,研究我国住房抵押贷款证券化进程中产生的问题,分析得出我国住房抵押贷款质量优于美国,并在规范商业银行放贷程序、优质资产的重要性及改善信用评级机构、增加信用评级可信度方面的方面提供了意见和建议。
The impact of the subprime mortgage crisis on the global financial markets and the real economy is huge and far-reaching. From the perspective of the subprime mortgage crisis in the United States, this paper studies the problems arising from the process of China’s mortgage-backed securitization. It concludes that the quality of China’s mortgage loans is superior to that of the United States. In addition, the importance of regulating commercial banks’ lending procedures and quality assets and improving credit Rating agencies, increased credibility of the credit rating aspects of the comments and suggestions.